Tightwads Guide to Saving on Westlake Auto Insurance

No one likes having to buy auto insurance, especially knowing the cost is too high. Having so many companies and agents to choose from, it can be impossible to locate the right provider.

The purpose of this article is to introduce you to the most effective way to quote insurance and some tricks to saving. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Louisiana consumers only need to know the most efficient way to shop their coverage around online.

More discounts equal less premium

Properly insuring your vehicles can get expensive, but you may find discounts that you may not even be aware of. Certain discounts will be applied at the time of purchase, but some may not be applied and must be requested specifically prior to receiving the credit. If you don't get every credit you qualify for, you are throwing money away.

  • Federal Employees - Active or retired federal employment can earn a discount up to 10% with a few auto insurance companies.
  • Anti-lock Brake Discount - Cars that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
  • Early Signing - A few companies offer discounts for signing up prior to your current policy expiring. This can save 10% or more.
  • Anti-theft System - Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Military Rewards - Having a deployed family member could mean lower rates.
  • Air Bag Discount - Cars that have air bags or motorized seat belts can receive discounts of 20% or more.
  • Payment Discounts - If you pay your bill all at once instead of monthly or quarterly installments you can actually save on your bill.

A little note about advertised discounts, most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you would end up receiving a 100% discount, you won't be that lucky. Any amount of discount will help reduce your premiums.

It's not one size fits all

When it comes to buying coverage for your vehicles, there really is no one size fits all plan. Everyone's needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if you might need an agent's assistance.

  • Am I covered if I drive in a foreign country?
  • Does my insurance cover a custom paint job?
  • Does my car insurance cover rental cars?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Am I covered when pulling a rental trailer?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I have any recourse if my insurance company denies a claim?

If you don't know the answers to these questions then you might want to talk to an agent. If you don't have a local agent, fill out this quick form or you can also visit this page to select a carrier It's fast, doesn't cost anything and can provide invaluable advice.

Switch companies and save? Really?

Louisiana drivers get pounded daily by advertisements for cheaper car insurance by companies like Progressive, Allstate and GEICO. They all say the same thing about savings if you switch to them.

But how can every company say the same thing?

Different companies have a certain "appetite" for the type of driver that earns them a profit. A good example of a driver they prefer might be profiled as between the ages of 30 and 50, owns a home, and has a high credit rating. A propective insured who fits that profile will get very good rates and therefore will save a lot of money.

Potential customers who do not match this ideal profile will be quoted higher prices which usually ends up with business not being written. The ads say "people who switch" not "everyone that quotes" save money. That is how companies can truthfully state the savings.

This emphasizes why you should get a wide range of price quotes. It's not possible to predict which company will have the lowest rates.

Additional information can be read on the website for the Louisiana Department of Insurance through this link. Louisiana drivers can download brochures, find out industry alerts, file complaints about a company, and read consumer alerts.

Also read more on this online resource for auto insurance quotes in Louisiana and this list of insurance agents in Westlake.

Westlake auto insurance quote

In the end, you save

As you restructure your insurance plan, do not buy lower coverage limits just to save a few bucks. There are too many instances where an insured cut full coverage and found out when filing a claim that they should have had better coverage. Your strategy should be to find the BEST coverage at an affordable rate while still protecting your assets.

In this article, we covered many ways to reduce auto insurance prices online. The key thing to remember is the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest rates come from an unexpected company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as .